WallStSmart

Amalgamated Bank (AMAL)vsMizuho Financial Group Inc. (MFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 1419637% more annual revenue ($4.74T vs $333.86M). AMAL leads profitability with a 34.0% profit margin vs 29.1%. AMAL trades at a lower P/E of 12.8x. MFG earns a higher WallStSmart Score of 82/100 (A-).

AMAL

Strong Buy

68

out of 100

Grade: B-

Growth: 8.7Profit: 7.5Value: 6.0Quality: 5.8
Piotroski: 4/9Altman Z: 0.27

MFG

Exceptional Buy

82

out of 100

Grade: A-

Growth: 10.0Profit: 7.5Value: 5.7Quality: 4.0
Piotroski: 6/9Altman Z: 0.29

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AMAL6 strengths · Avg: 9.0/10
Profit MarginProfitability
34.0%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
50.8%10/10

Strong operational efficiency at 50.8%

Debt/EquityHealth
0.0910/10

Conservative balance sheet, low leverage

P/E RatioValuation
12.8x8/10

Attractively priced relative to earnings

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
23.5%8/10

Revenue surging 23.5% year-over-year

MFG6 strengths · Avg: 9.0/10
Operating MarginProfitability
46.7%10/10

Strong operational efficiency at 46.7%

Revenue GrowthGrowth
35.0%10/10

Revenue surging 35.0% year-over-year

Market CapQuality
$136.43B9/10

Large-cap with strong market position

Profit MarginProfitability
29.1%9/10

Keeps 29 of every $100 in revenue as profit

P/E RatioValuation
15.8x8/10

Attractively priced relative to earnings

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Areas to Watch

AMAL2 concerns · Avg: 2.5/10
Market CapQuality
$1.45B3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
0.272/10

Distress zone — elevated risk

MFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.704/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.292/10

Distress zone — elevated risk

Debt/EquityHealth
5.911/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : AMAL

The strongest argument for AMAL centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 34.0% and operating margin at 50.8%. Revenue growth of 23.5% demonstrates continued momentum.

Bull Case : MFG

The strongest argument for MFG centers on Operating Margin, Revenue Growth, Market Cap. Profitability is solid with margins at 29.1% and operating margin at 46.7%. Revenue growth of 35.0% demonstrates continued momentum.

Bear Case : AMAL

The primary concerns for AMAL are Market Cap, Altman Z-Score.

Bear Case : MFG

The primary concerns for MFG are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 5.91 is elevated, increasing financial risk.

Key Dynamics to Monitor

AMAL carries more volatility with a beta of 0.78 — expect wider price swings.

MFG is growing revenue faster at 35.0% — sustainability is the question.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

MFG scores higher overall (82/100 vs 68/100), backed by strong 29.1% margins and 35.0% revenue growth. Both earn "Exceptional Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Amalgamated Bank

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Amalgamated Finance Corporation The company is headquartered in New York, New York.

Mizuho Financial Group Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Mizuho Financial Group, Inc. engages in banking, trusts, securities and other businesses related to financial services in Japan, America, Europe, Asia / Oceania and internationally. The company is headquartered in Tokyo, Japan.

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